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Damaged credit rating for paying off Barclaycard!
Hi this is my first post so hope some of you pick it up and take me under your wing . . . I have saved money and am able to pay off my barclaycard in full the amount is approx £730, I was planning on haggling this down as i have with previous cards, this is my last one! Here comes the BUT barclay card said if i pay back…
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Mastercard - struggling to make payments
Evening My OH has a mastercard with adams clothes shop and has a balance of around £850 but is stuggling to make min payments and the balance isnt coming down at all. Is there is a way to get them to freeze the interest until balance is cleared. the car is no longer getting used. Transfering to a 0% card is out of the…
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Store card charges
I have tried to reclaim late payment charges from Style financial services. I received a letter from them stating and I quote "The OFT has restricted its investigations to credit cards and has not consulted with Style Financial Services in relation to other products including store cards" In other words don't bother trying…
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Help!halifax Credit Card!
HI Everyone Well was shocked to get home tonight and find 3 messages on my Answerphone from the above bank, asking me to phone ASAP, very worried of course, apparently I am in arrears with my Credit card, a new one to get the 0% on balance transfers, I thought I had arranged a Direct Debit, but was rudely told by an…
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What can i include in annual income?
Hi I'm new to this site so i apologise if my question has already been covered elsewhere but i can't find anything about this. I'm trying to find a new cc to transfer at least some of mine and hubbys outstanding debts - currently approx 4000. I only work part time so my annual income from my job is low. When asked in cc…
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MBNA Credit Card - More interest than min payment?
Hi all Quick one for the board - i have an MBNA credit card, which ive been a naughty person with over the years and maxed it out a few years ago. I wouldnt say im struggling for money, as i can and have met the min payments for over 12 months without fail - but as they were originally the lowest interest lender, my focus…
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Need new C Card for Travel - Cancel my old one prior to applying?
Hi guys I have a Capital One card with a £7K limit on it and currently a £0 balance although I have used it quite a bit over the 9 months I have had it. I need a Post Office Platinum and/or a Nationwide Gold card as I am soon to get married and will be in the states for over 3 weeks and want to pay by Plastic with the 3…
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What interest rate are fees charged at?
Anyone know the answer to this? For example, lets say I have a card with 15% interest on purchases and 20% on cash advances - if I get hit with a $30 over the limit fee, would this accumulate interest at 15% or 20%? (or higher?) Any thoughts?:confused:
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Barclaycard 6.9% for life no handling fee
hi all this is currently under `offers` when i log into my barclaycard account Does anyone know when they may pull this offer as my statement date is the 15th and i want to wait till just after then ? Cheers Dan
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Help please. BT newbie.
I'm considering transferring a balance from a Halifax card to a new NatWest card if I'm approved for it. It would be 0% for 13 months, although interest would be charged on the BTF. This would still be less than I am paying at the moment. Just wondered whether anyone had any horror stories about the NatWest card, or any…
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Tesco CC no charges for withdrawing cash abroad
Just received an email from Tesco saying:-[FONT=Arial, Helvetica, sans-serif]• [/FONT] [FONT=Arial, Helvetica, sans-serif]Use your Tesco Credit Card to pay for your Tesco Travel Money and pay no cash advance fee[/FONT] [FONT=Arial, Helvetica, sans-serif]• [/FONT] [FONT=Arial, Helvetica, sans-serif]Enjoy 0% commission on…
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3.8% to CC payment 4 accommodation/France
Am about to pay for holiday accommodation in France. Company tells me there is a 3.8% processing charge (outwith their control) on credit card payments. Am told unless I have french bank a/c I will have to add 3.8% to rental rate -Is this correct? Anyone had similar experience or know how to avoid paying this amount?
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Should I close this CC or keep it open?
Briefly: I had a 0% CC, with 3K limit. Was 10 months into 12 month deal and stupidly went over limit, so charged £12 and 0% interest cancelled. Have called and the £12 charge has been refunded but they can't/won't do anything about the interest rate... so I am going to pay this card off in full today (had the equivalent…
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Looking for £4000 on balance transfer what the best
Hello, I have £4000 i need to balance transfer, what the best option.........
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Friends Husband passed away with credit card debt, any advice appreciated
Hi, I am new to this forum so please excuse me if this has already been raised in the forum pages. My friends husband suddenly passed away sadly last week at the age of 44, he had debts in his sole name that my friend was unaware of and we are now trying to deal with the impact of this on her and her family. He had a…
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Advice needed. I need a 0% bal transfer c/c!!
I currently have a credit card with Alliance & Leicester. For a few months I was over the £4000 credit limit and was getting charged £12 admin fee every month because of it. I still managed to pay the minimum repayment (approx £78 per month) every month and have just managed to pay £300 off and have got just under the…
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Virgin Barclaycard used for gambling site with cash advances
Ok i took out a virgin credit card to which i then allowed the wife to transfer 1900 pounds she had on a high paying credit card to save her interest, i got an additional card for her but we made an agreement not to use merely for her to pay off before 0% ran out April 2009, i received a statement in this weekend with…
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slipping towards bankruptcy,
We feel we are forced into the idea of going bankrupt, re: 10,000 pound debt. Presently working and trying to survive abroad. No investments or property, anyone with similar experiences, or advice would be much appreciated
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Large Purchase
Hi I am just wondering the best way to pay a large sum of money £14,000 to a company. I have the money tucked away and I managed to get a six month interest free deal so I do not have to pay it until November which is ideal to keep the interest in my bank account. I was wondering what would be the best way to pay off the…
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Reclaiming Credit Card Charges
Hi all Sorry if I have posted this in the wrong place (let me know) but I only joined today :) I read Martin's notes about reclaiming Credit Card charges and he said that you need to itemise the charges. I have had a number of cards over the last few years and I don't have the statements anymore. How do I go about claiming…
